Comparison

m vs Smart Nova Mobile

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

m

This mobile banking app allows users to manage accounts, make payments, and access banking services conveniently. It offers features like transaction history, bill payments, ATM/branch locators, and secure login options.

Highlights
  • Account and card overview
  • All types of payment
  • Branch & ATM locator
  • Foreign currency exchange
  • Fingerprint authentication
  • Contactless payment via Apple Pay
  • Push notifications
Features
Read full description

M-bank aplikacija UniCredit Bank a.d. Banja Luka štedi Vaše vrijeme i novac. Aplikacija je jednostavna za korišćenje, uvijek dostupna, a provizije su znatno niže nego na šalterima. M-bank aplikacija Vam omogućava da brzo završite svakodnevne bankarske transakcije i da uvijek prvi saznate najvažnije informacije. Na raspolaganju su Vam: Uvid u sve vrste računa i kartica Prikaz transakcijskog računa radi boljeg pregleda i korisničkog iskustva Sve vrste plaćanja PDF potvrde o plaćanju Informacije o proizvodima i uslugama naše Banke Lociranje najbližih bankomata i filijala Mjenjačnica Mogućnost slanja naloga ino platnog prometa Ugovaranje trajnih naloga Upravljanje sigurnosnim dnevnim limitima 3DS autorizacija web kartičnih transakcija putem m-bank aplikacije Pregled PIN koda za debitne i kreditne kartice Apple Pay – beskontaktno plaćanje telefonom na POS terminalima Primanje važnih obavještenja i informacija putem push poruke Podjela na rate transakcija kreditnim karticama • Dodatne funkcionalnosti m-bank aplikacije: Logovanje putem otiska prsta – ne morate da unosite PIN Dokumenti u m-bank Brza provjera stanja – provjerite stanje na računu bez logovanja u aplikaciju M-token za prijavu na e-ba M-bank i M-token možete dobiti u svim filijalama UniCredit Bank a.d. Banja Luka. Ukoliko ste već prijavljeni za ovu uslugu, m-bank možete reaktivirati bez dolaska u filijalu. ------------------------------------------------- M-bank application UniCredit Bank a.d. Banja Luka saves your time and money. Application is user friendly ; always available and payment fees are significantly lower than in branches. M-bank application UniCredit Bank a.d. Banja Luka enables you to easily make banking transactions and to always be the first to find out what is new. Accounts and cards overview All types of payment Enhanced transaction account display for improved visibility and user experience. PDF payment confirmations Information for product and services Branch & ATM locator Foreign currency exchange Possibility to send foreign payment orders Contracting standing orders Managing daily security limits 3DS authorization of web card transactions via m-bank application View debit and credit card PINs Apple Pay – contactless payment by phone at POS terminals Push notifications for important information Credit card installments • Additional m-bank features: Fingerprint authentication – no need to enter PIN to log in Documents in m-bank “Fast check” – you can check your balance without logging in M-token for e-ba authentication – excellent replacement for hardware token You can get m-bank and m-token at all UniCredit Bank branches. If you are already registered for this service, you can reactivate m-bank without coming to the branch.

About

Smart Nova Mobile

This mobile banking app allows clients to conduct financial transactions and manage their accounts 24/7. It facilitates payments, internal transfers, and bill payments, offering secure and convenient banking services. Users can also manage card limits and set up recurring payments.

Highlights
  • Account access
  • Domestic and international payments
  • Internal fund transfers
  • Bill payment
  • Card limit management
  • Recurring payment setup
  • mToken for payment authorization
Features
Read full description

Nova banka a.d. Banja Luka omogućava klijentima Banke, fizičkim i pravnim licima ili samostalnim preduzetnicima elektronsku razmjenu informacija sa Bankom putem aplikacije mobilnog bankarstva Smart Nova Mobile. Smart Nova Mobile je dostupna 24/7 na iOS uređajima, uz potrebnu internet konekciju. Funkcionalnosti Smart Nova Mobile: - pristup svim aktivnim računima/partijama - obavljanje plaćanja u unutrašnjem platnom prometu i međunarodnom platnom prometu - interni prenosi sredstava u domaćoj i stranoj valuti, unutar vlastitih računa - uvid u ovlaštene račune - kreiranje šablona za redovna plaćanja - kreiranje trajnih naloga za automatsko izvršenje plaćanja sa izborom periodike - prijem i plaćanje režijskih računa - upravljanje limitima potrošnje platnih kartica - podjela transakcije na rate - upotreba mTokena za potpisivanje predatih naloga za plaćanje
 Smart Nova Mobile obezbjeđuje jednostavno i sigurno poslovanje sa Bankom, uz znatno niže naknade za realizaciju plaćanja.

Screenshots

m4 screens
Smart Nova Mobile4 screens

Verdict

The call

The clearest difference is ratings volume: m at 182 against Smart Nova Mobile's 2. Smart Nova Mobile's advantage is rating (5.0 vs 4.7). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Smart Nova Mobile holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: m has 182 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

m ships an update every 3 months, Smart Nova Mobile every 2 months. The most recent releases landed on September 21, 2026 and July 5, 2026 respectively.

Scorecard2 real differences · 8 level
m versus Smart Nova Mobile: the parameters behind the verdict, then further details
ParametermSmart Nova Mobile
PriceFreeFree
Rating4.7 (182 ratings)5.0 (2 ratings) — better
Positive reviews30.0% of reviews—
Number of ratings182 — better2
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size443 MB122 MB
Age rating4+4+
DeveloperUniCredit Bank a.d. Banja LukaNOVA BANKA a.d. Banja Luka

Customer experience

m

All ratings182 ratings
Positive93.4%
Neutral2.7%
Negative3.8%
Written reviews10 reviews
Positive30.0%
Neutral20.0%
Negative50.0%

Smart Nova Mobile

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

m

No in-app purchases

None

Smart Nova Mobile

No in-app purchases

Questions

Is m free?
m is free to download, with no in-app purchases.
Is Smart Nova Mobile free?
Smart Nova Mobile is free to download, with no in-app purchases.
Which has better reviews, m or Smart Nova Mobile?
Smart Nova Mobile is rated higher. m averages 4.7 out of 5 from 182 ratings, while Smart Nova Mobile averages 5.0 from 2 ratings.
Do m or Smart Nova Mobile have ads?
Neither m nor Smart Nova Mobile shows ads.
Which is updated more often, m or Smart Nova Mobile?
m ships an update every 3 months, and Smart Nova Mobile every 2 months. Most recently, m was updated on September 21, 2026 and Smart Nova Mobile on July 5, 2026.

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